mCash MK review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

mCash MK lends directly to adults in the Republic of North Macedonia, with loans of MKD 5,000 to MKD 150,000 and same-day funding. It suits borrowers who want fast money and a hard credit check, but the 23% to 60% express application processing fee makes the total cost steep for anyone paying back over time.

Key facts

Best for
Borrowers in North Macedonia who need a small personal or payday loan paid out fast.
Loan amount
MKD 5,000 to MKD 150,000 (Source, checked September 26, 2026)
Term
1 to 12 months (Source, checked September 26, 2026)
Arrangement fee
Express application processing fee, 23% to 60% of the approved loan amount depending on amount and term (M Fix, VIP, M Special) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Application answered within 15 minutes, funds transferred within 1 hour of approval (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Adult citizen of the Republic of North Macedonia with a valid ID card or passport (Source, checked September 26, 2026)
Origination fee (%)
23% to 60% (Source, checked September 26, 2026)
Loan types
Personal, Payday, Secured, Business (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
FD M Kesh Makedonija DOOEL Skopje (Source, checked September 26, 2026)
Headquarters
North Macedonia (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
mcash.mk

Mortgages

Initial rate
2% (Source, checked September 26, 2026)
APRC
45% (Source, checked September 26, 2026)
Fixed period
1 to 5 years (Source, checked September 26, 2026)
Product fee
MKD 153,912 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
FD M Kesh Makedonija DOOEL Skopje (Source, checked September 26, 2026)
Headquarters
North Macedonia (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedInfacebook.cominstagram.com

Pros and cons

Pros

  • Loans of MKD 5,000 to MKD 150,000 with a term of 1 to 12 and a fixed rate, so repayments do not shift
  • Same-day funding: applications are answered quickly and funds are transferred shortly after approval
  • Free early repayment, so you can settle the loan early without a charge
  • A direct lender, not a broker, and support runs on phone, email and help centre

Cons

  • An express application processing fee of 23% to 60% of the approved amount, charged depending on amount and term
  • Credit needed is listed as poor and the credit check is hard, so a decline leaves a mark
  • Loans run to 1 to 12 only, which is short next to the 36 median across personal loans
mCash MK

Ready to try mCash MK?

Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Adults in the Republic of North Macedonia with a valid ID card or passport who need money the same day
  • Borrowers planning a home-improvement project and looking at a loan of MKD 5,000 to MKD 150,000
  • Anyone who can clear a hard credit check and pay back the fee as part of the repayment

Who should look elsewhere

  • Cashspace ES, which lends €100 to €5,000 and suits a different market
  • Monzo Flex, whose lending starts at £10,000 to £35,000 and suits larger borrowing
  • Borrowers with good credit who want the lowest total cost, since the 23% to 60% fee is heavy

How mCash MK compares

Where mCash MK is available

Available
North Macedonia
Licence in North Macedonia
Ministry of Finance of the Republic of North Macedonia, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does mCash MK charge for a loan?+

The listed arrangement fee is an express application processing fee of 23% to 60% of the approved loan amount, depending on the amount and term. Rates are fixed, so the cost is set when the loan is taken rather than moving afterwards.

How much can I borrow and for how long?+

Personal loans run from MKD 5,000 to MKD 150,000 with a term of 1 to 12. That is a short window, well below the 36 median term for personal loans on the site, so borrowers are usually paying back faster.

How fast is the money?+

Applications are answered within minutes and funds are transferred within an hour of approval. Same-day funding is a stated feature of the service, which suits anyone dealing with an urgent bill.

What credit check does mCash MK use?+

The credit check is hard and the credit needed is listed as poor. That means a full check on your file, so a rejection can leave a mark that other lenders would see.

Is mCash MK regulated?+

The licence lists the Ministry of Finance of the Republic of North Macedonia as the regulator, with the lender based in North Macedonia. It is set up as a direct lender rather than a broker, so the contract is with the lender itself.

Who can apply?+

Eligibility is adults who are citizens of the Republic of North Macedonia with a valid ID card or passport. The legal entity behind the service is FD M Kesh Makedonija DOOEL Skopje.

Can I repay early without a charge?+

Free early repayment is a yes, so settling the balance ahead of schedule carries no early repayment fee. Set against a fee of 23% to 60% charged at the start, paying back sooner limits how much of that fee you keep paying on.

How do I get help?+

Support runs on phone, email and help centre, so you can reach the team by phone or email or through a help centre. Phone support is the channel listed for most of the lenders compared here.

Sources

  • mcash.mk/krediti/hipotekaren-kredit checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Product fee, Purpose

  • mcash.mk/krediti/kredit-na-rati checked September 26, 2026

    Backs: Loan amount, Term, Use cases

    “Zemete od 5.000 do 150.000 denari (Take from 5,000 to 150,000 denars)”

  • mcash.mk/opshti-uslovi checked September 26, 2026

    Backs: Credit check, Headquarters, Lender type

    “Preku proverki vo bazi na podatoci, kako na primer Makedonsko kreditno biro (checks in databases such as the Macedonian Credit Bureau)”

  • mcash.mk/prashanja checked September 26, 2026

    Backs: Credit needed, Eligibility, Features, Free early repayment, Funding time, Legal entity, Support channels, Licences

    “Tvoja-ta kreditna istorija ne e problem za nas (your credit history is not a problem for us)”

  • mcash.mk/tarifa checked September 26, 2026

    Backs: Pricing model, Arrangement fee, Origination fee (%), Rate type

    “Fiksna godishna kamatna stapka - 12 % (za produkti: M Fix, M Safe, M Combo, VIP, M Special, M Go)”

  • mcash.mk/za-nas checked September 26, 2026

    Backs: Loan types

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Representative example.

mCash MK

mCash MK

Borrowers in North Macedonia who need a small personal or payday loan paid out fast.

8.9/10See alternatives

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